Spencer, TN

The affordability dashboard for Spencer, TN aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 3,717 residents, then layers in county-level federal data to produce an overall grade of D (47/100). The headline inputs are median household income of $48,015, median home value of $152,700, median rent of $700 per month, and 13.8% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $925 per month (studio $700, 1BR $705, 3BR $1,198, 4BR $1,289). Department of Labor data lists infant center-based childcare at $6,811 per year, consuming 14% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Pressure points are income, education, commute. Unemployment currently reads 1.4% and poverty 13.8% — numbers worth keeping alongside the headline grade.